Possible to start AT&T service without hard-pull credit?

Possible to start AT&T service without hard-pull credit?

The Wife and I are building a new home in an area that is only served by AT&T for Internet (and cable/phone as well, but only interested in Internet).

I called and was told they require a hard pull of my CR to set up an account. I've done some major rebuilding and have ficos around 750ish, and I'd like to keep it that way...closing mortgage in one month, plan on CC app spree after we move in & before the new Mort TL reports...REALLY don't want trash on my report from a crappy wasted pull for $30/month internet service...but I have to have the service there ASAP for telecommuting.

Re: Possible to start AT&T service without hard-pull credit?

What is the reason they are giving you for why they must do a HP?

What if you tell them that you do not want their modem and router and that you have your own? My guess is that they might do a HP because they loan you the equipment when you sign up and when you terminate service, you must return their equipment. ...I'm just guessing...I have no experience with AT&T. But maybe that is why.

Re: Possible to start AT&T service without hard-pull credit?

Last month I needed 6 more phones for my employees. I spoke to a supervisor , she said they would have to do a credit check. I said go ahead, i got approved for up to 12 new lines. But never had a HP. I have been an At@t customer since 2005, and have personal and business acccounts with them. Dont know if that helped me or not.

Re: Possible to start AT&T service without hard-pull credit?

+1 to speaking to your loan officer.

But another option would be to invest in a pre-paid 4G LTE mobile hotspot. I know Verizon has one for $99.

Bear in mind, these things have limited monthly data caps. So you'll burn through it pretty quickly if you start streaming Pandora or Netflix. But if all you need is telecommuting access for e-mail, the occasional document transfer, etc., it's a great solution. I used one for a couple of weeks when I was looking after my mother while she recovered from surgery, and it worked perfectly fine for remote access to the office.

Once the month is up and you apply for AT&T, you can probably resell the hotspot for not much less than you paid for it. Or keep it for vacations and such.

What they offered is to set up the Uverse account with only a driver's license and a pre-payment of the equipment fee ($100) and installation charge ($49) - no credit check. I made it clear with the gentleman that I didn't want a credit check - he said he wouldn't even take my social security number and promised no credit check.

Some notes:

- This is a standard deal they do in-store, it wasn't a favor or anything.

- UVerse service is Internet only, no TV or phone or anything else.

- The installation fee of $49 is HALF of what they charge on their website.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation.
Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies.
Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.